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HomeMy WebLinkAbout902166Return To: HOMECOMINGS FINANCIAL NETWORK, INC ONE MERIDIAN CROSSING, STE 100 NflNNEAPOLIS, MN 55423 Loan Number: 042-171741-1 902166 Prepared By: HomeComings Financial Network 14850 Quorum Drive, Suite 500 Dallas, TX 75254 RECEIVED LINOOI_N COUNTy CLERK [Space Above Tiffs Lh~e For Recording Data] MORTGAGE MIN 100062604217174715 DEFINITIONS Words used in multiple sections of tiffs document are defined below and other words are dcfiued in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding thc usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated AUGUST 16TH, togefl~er with all Riders to tiffs document. (B) "Borrower" is KEVIN WESTON AND S~?~PH~N¥ WESTON, HUSBAND AND WIFE STEPHANIE 2004 Borrower is fl~e mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, luc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee nnder this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. WYOMiNG-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH IVlERS MFWY7770 (11/00) / 042-1717'I?-1 (~®-6A(WY) Iooo~}.o~ Page 1 of 15 Initials: ~]"/~,, ,~ VMP MORTGAGE FORMS - t800)521-7291 Form 3051 1/O1 (D) "Lender"is HOMECOMINGS FINANCIAL NETWORK INC. 0495 Lender is a CORPORATION organized and existing under the laws of DELAWARE Lender's address is 14850 QUORUM DRIVE, SUITE 500 DALLAS, TX 75254 (E) "Note" means the pronfissory note signed by Borrower and dated AUGUST 16TH, 2004 The Note states that Borrower owes Lender EIGHTY NINE THOUSAND AND NO/100 Dollars (U.S. $ 8 9,000.00 ) plus interest. Borrower has proudsed to pay tlfis debt in regular Periodic Payments and to pay the debt in lull not later than SEPTEMBER 1ST, 2034 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges aid late charges due under the Note, and all sums due under this Security Instrmuent, plus interest. (H) "Riders" means all Riders to tiffs Security Instrument that are executed by Borrower. The followiug Riders are to be executed by Borrower [check box as applicable]: [--] Adjustable Rate Rider ~-] Condonfinium Rider [--] Second Home Rider ~ Balloon Rider ~-] Planned Unit Development Rider ~-] 1-4 Family Rider ~--~ VA Rider ~ Biweekly Payment Rider ~] Other(s) [specify] (1) "Applicable Law" means all controlling applicable federal, state and lOcal statutes, regulations, ordinances and adnfinistrative roles and orders (that have the effect of law) as well as all applicable final, non-appealable judicial op!nions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condonfinium association, lm~neowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of fuuds, other than a transaction originated by check, drati, or similar, paper instrument, which is initiated through an electronic ternfi~ml, telephmfic instrument, computer, or ,nagnetic tape so as to order, instruct, or authorize a fi~mucial institution to debit or credit an account. Such term includes, but is not linfited to, point-of-sale transfers, automated teller nmchine transactions, transfers initiated by telephone, wire transfers, aid automated cleariughouse transfers. (L) "Escrow Items" means those items that are described iii Section 3. ~1) "Miscellaneous Proceeds" means any compensation, settlement, award of danmges, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) danmge to, or destruction of, the Property; (ii) condem~mtkm or other taking of all or any part of the Property; (iii) conveyance in lieu of conde,mmtion; or (iv) misrepresentations of, or omissions as to, the value aid/or cmdition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (O) "Periodic Payment" ~neans the regularly scheduled amouut due lbr (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrumel,t. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its in~plementing regulation, Regulation X (24 C.F.R. Part 3500), as they nfight be au,ended from time to time, or any additimml or successor legislation or regulation that governs the same subject umtter. As used in this Security Instnm~ent, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does uot qualify as a "federally related mortgage loan" under RESPA. MFWY7770 (11/00) / 042-171747-1 l~-6alW¥) iooo~.o, Page 2 of 15 ~ Form 3051 1/01 -0496 (Q) "Successor in Interest of Borrower" means any party that has takeu title to the Property, whether or not that party has assumed Borrower's obligations under fl~e Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of rile Loan, aud all renewals, extensions aid modifications of the Note; and (ii) the performance of Borrower's covenants aid agreements ruder this Security h~strument and the Note. For this propose, Borrower does hereby nmrtgage, grant aid convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the tbllowing described property located inthe COUNTY of LINCOLN : [Type of Recording Jm'isdiclion] [Name of Recording Jurisdiction] THE SOUTHERLY 25 FEET OF LOT 2 OF BLOCK 10 TO THE TONNSITE OF COKEVILLE, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. ALSO, LOT 3 OF BLOCK 10 TO THE TOWNSITE OF COKESVILLE, LINCOLN COUNTY, WYOMING, LESS AND EXCEPT THE LAND CONTAINED IN WARRANTY DEED RECORDED MARCH 11, 1954 IN BOOK 5PR ON PAGE 489 OF THE RECORDS OF THE LINCOLN COUNTY CLERK. ParcellD Number: 24190531108200 215 PINE STREET COKEVILLE ("Property Address"): which currently has the address of , [Street] ICily] , Wyoming 83114 [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtexmnces, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrmnent as the "Property." Borrower understands and agrees that MERS lmlds oldy legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as notninee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not linfited to, the right to foreclose and sell file Property; and to take any action required of Lender including, but not linfited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property aud that rite Property is unencumbered, except for encumbrances of record. Borrower warrants and will defeud generally file title to the Property against all claims and denmnds, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for mtimml use and non-unifom~ covenauts with limited variations by jurisdiction to constitute a uuitbrm security instrunmtt covering real property. MFWY7770 (11/00) / 042-171747-1 (~-6A(WY} Iooo~}.o~ Initials~__~ Page 3 of 15 Form 3051 1/01 0 4 9 7 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follow~: 1. Payment of Principal~ Interest, Escrow Items, Prepayment Clmr~es, ami Late Charges. Borrower shall pay when due fl~e principal of, and imeres~ ou, fl~e deb~ evidenced by fl~e Note and any prepayment clm~ges and l~te charges due uuder ~e Note. Borrower shall ~lso pay ~nds for ~scrow Iten~ pursuant to Section 3. Payments due unde~ ~e Note and tiffs Security Instrument shall be made in U.~. currency. However, if any check or off,er inst~ment received by Lender as payment under fl~e Note or this Security Inst~ment is returned m Lender unpaid, Lender n~y require flint any or all subsequent payments due under ~e Note and ~is Security [nst~ment be u~de iu one or nmm of fl~e followin~ forms, as selected by Lender: (a) cash; (b) nmney order; (c) certified check, ba~ check, ~reasurer's check cashier's check, p~ovided m~y such check is drawn upon au iustitution whose deposits are iusured by federal agm~cy, inst~memality, or entity; or (d) ~lectro~fic ~unds Transfer. Payments are deemed received by Leuder when received at fire location desigt~ted in tim Note or at such off, er location as ~my be designated by ~nder in accordance wifl~ fl~e ~mtice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial pay~nents are insufficient to bring O~e Loan current. Lender n~y accept any payment or partial payment i~mufficient to bring fire Loan current, wifl~out waiver of any rights lmreunder or prQudice to its rights to re~se such paymem or partial payments in fl~e ~mre, but Lender is not obligated to apply such payments at fl~e time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on mmpplied ~nds. Lender nmy hold such unapplied lhnds until Borrower nmkes payment to bring fl~e Loan current. If Borrower does not do so wiflfin a reasonable period of tilne, Lender shall eifl~er apply such hnds or return fl~em to Borrower. If not applied earlier, such thnds will be applied to fl~e outstandiug principal balance under fl~e Note immediately prior to foreclosure. No oft~et or claim which Borrower ~ght have now or in ~e hture against Lender shall relieve Borrower titan nmking payments due under · e Note and tiffs Security Instrument or pertbrnfing fl~e coveuants and agreements secured by tiffs Security hmtrunlent. 2. Application of Payments or Proceeds. Except as oflierwise described in tiffs Section 2, all pay~nents accepted aM applied by LeMer shall be applied iu fl~e tbllowing order of priority: (a) interest due uMer fl~e Note; (b) principal due under flxe Note; (c) amounts due uMer Section 3. Such payments shall be applied to each Periodic Paynmm in fl~e order in which it became due. Auy ren~i~fing aumunts shall be applied first to late charges, secoM m any off,er amounts due ruder tiffs Security Instrument, and ~en to reduce fl~e pri~mipal bala~me of d~e Note. If Lmder receives a payment frown Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, fl~e payment nuty be applied to fl~e delinquent payment · e late charge. If nmre fl~an one Periodic Payment is outstanding, Lender n~y apply any payment received t~om Borrower to fl~e repayment of fl~e Periodic Payments if, aud to flxe extent fl~at, each paynmnt can be paid in tell. To fl~e extent flint any excess exists after fl~e paynmnt is applied to flxe ~11 paynmnt of one or nmre Periodic Payments, such excess my be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges a~d fl~en as described iu file Note. Any application of pay~nents, i~urance proceeds, or Miscellaneous Proceeds to pri~mipal due uMer fl~e Note shall not extetd or postpone rite due date, or change O~e amount, of O~e Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on fl~e day Periodic Payments are due ruder ~e Note, until ~e Note is paid in hll, a sum (fl~e "Funds") to provide tbr payment of amounts due Ibr: (a) taxes aM assessments aM o~er iten~ which can attain priority over fltis Security Instm~nent as a lien or encumbrance on fl~e Property; (b) leasehold payments or gromd rents on fl~e Property, if any; (c) pre~unm for any aM all insurance req~red by Lmtder under Section 5; aM (d) Mortgage Insurance pre,urns, if any, or any stuns payable by Borrower to Lender in lieu of flxe paynmnt of Mortgage hmurance prenfiunm in accorda~me wi~ fire provisions of Section 10. These items are called "Escrow Items." At origi~mtiou or at any time during ~e term of rite Loan, Lender n~y require that Conmmnity Association Dues, Fees, aM Assessments, if any, be escrowed by Borrower, a~d such dues, t~es and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lmder all ~mtices of amounts to be paid under tiffs Section. Borrower shall pay LeMer fl~e Funds for Escrow Itenm mdess Lender waives Borrower's obligation to pay fl~e Funds for auy or all Escrow Items. LeMer u~y waive Borrower's obligation to pay to LeMer FuMs Ibr any or all Escrow Items at any time. Any such waiver n~y o~dy be in writing. In fl~e event of such waiver, Borrower shall pay directly, wheu a~d where payable, Oxe amounts MFWY7770 (11/00) / 042-1717474 (~-6AIWY) (0006).01 Page4 of 15 Form 3051 1/01 due for any Escrow Items for which payment of Funds has beeu waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment withiu such time period as Lender nmy require. Borrower's obligation to nmke such payn~ents and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due tbr an Escrow Item, Lender nmy exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender ]nay revoke the waiver as to any or all Escrow Items at any time by a notice given iu accordance with Section 15 and, upon such revocation, Borrower shall pay to Le]der all Funds, and in such amounts, that are then required under this Section 3. Lender nmy, at any ti~ne, collect and hold Funds in au amount (a) sufficient to pernfit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maxinmm amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasmmble estimates of expenditures of future Escrow Items or ofl]erwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Hoxne Loan Brute. Lender shall apply the Funds to pay the Escrow Itenks no later than the time specified under RESPA. Lender shall ]dot charge Borrower lbr holding and applying the Funds, ammally analyzing the escrow account,' or veril~ing the Escrow Items, mfless Lender pays Borrower iuterest ou the Funds and Applicable Law pernfits Lender to nmke such a charge. U~dess an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or ear]tings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an ammal accounting of fide Funds as required by RESPA. If fl~ere is a surplus of Funds held in escrow, as defined ruder RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordauce with RESPA, but in no more than 12 monthly payments. If there is a deficiency of FuMs held iu escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to nmke up the deficiency in accordance with RESPA, but in no ]nore than 12 monthly payments. Upon paylnent in full of all sums secured by this Security Instnunent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, aud impositimks attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if auy, and Conmm~fity Associatiou Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the mmmer provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rammer acceptable to Lender, but tuffy so long as Borrower is perfornfing such agreement; (b) contests the lieu in good faith by, or defeids against enlbrcement of the lien in, legal proceedings which in Lender's opi~fion operate to prevent the entbrcement of the lien while those proceediugs are pending, but only until such proceedings are concluded; or (c) secures fron! the holder of the lien an agreement satisfactory to Lender subordi]mting the lien to this Security Instrument. If Lender deternfines flint any part of the Property is subject to a lien which cat] attain priority over fids Security Instrument, Lender nmy give Borrower a notice identifyiug the MFWY7770 (11/00) / 042-171747-1 (~-6AIWY) {ooos).o~ Page So~ Form 3051 1/01 lien. Widfin 10 days of the date oll which that notice is given, Borrower shall satisfy tile lien or take one or more of file actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge /hr a real estate tax verification and/or reporting service used by Lender in com~ection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included wiflfin the term "extended coverage," and any other hazards including, but not lindted to, earthquakes and floods, for which Lender requires insurance. Tlfis insurance shall be maintained in the amounts (including deductible levels) and /bt the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cartier providing file insurance shall be chosen by Borrower subject to Lender's tight to disapprove Borrower's choice, which right shall not be exercised um'easonably. Lender nmy require Borrower to pay, in comlection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-thne charge for flood zone deterndnation and certification services and subsequent charges each time remappings or sinfilar changes occur which reasonably nfight affect such deternfination or certification. Borrower shall also be responsible tbr the payment of any fees imposed by file Federal Emergency Management Agency in comtection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option aud Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but nfight or might not protect Borrower, Borrower's equity in the Property, or d~e contents of the Property, against any risk, hazard or liability and might provide greater or less~r coverage titan was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained nfight sig~fificantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instnunent. These amounts shall bear interest at the Note rate from file date of disbursement and shall be payable, with such interest, npon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have file right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtaius any form of insurance coverage, not otherwise required by Lender, Ibr danmge to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In fl~e event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender nmy make proof of loss if not nmde promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Pl'operty, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have file right to hold such insurance proceeds until Lender has had an opportunity to respect such Property to ensure file work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender nmy disburse proceeds for the repairs and restoration iua single payment or iua series of progress payments as the work is completed. Ulfless an agreement is lnade in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or eanfings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be file sole obligation of Borrower. If the restoration or repair is not econonfically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to file sums secured by this Security Instrument, whether or not then due, with MFWY7770 (11/00) / 042-171747-1 (~-6A(WY) ~ooo~.ol initial ~: ~ ~ Page6of 15 ~ Form 3051 1/01 0500 the excess, if atw, paid to Borrower. Such insurauce proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender nmy file, negotiate a~d settle any available insurance claim and related matters. If Borrower does not respond wiflfiu 30 days to a notice fi'om Lender fl~at the insurance carder has offered to settle a claim, then Lender n~y negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Leuder (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts uupaid under the Note or dfis Security Instrument, aud (b) any other of Borrower's fights (other than the right to any refund of unearned preudums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender nmy use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under fl~e Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use file Property as Borrower's principal residence wiflfin 60 days after the execution of fids Security Instrument a~d shall contim~e to occupy the Property as Borrower's principal residence for at least one year alter fl~e date of occupancy, mfless Lender otherwise agrees in writing, which consent shall not be um'easonably wittdmld, or mdess extenuating circumstances exist which are beyond Borrower's control. 7. Preservatiou, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or conmfit waste on the Property. Whether or not Borrower is residing in file Property, Borrower shall maintain file Property in order to prevent the Property fi'om deteriorating or decreasing ill value due to its conditiou. U~dess it is detemfined pursuant to Sectiou 5 that repair or restoration is not econonfically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or danuage. If insurance or condenmatiou proceeds are paid in comlection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property mdy if Lender has released proceeds fbr such purposes. Lender nmy disburse proceeds for the repairs aud restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condenumtion proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its age~a nhay make reasmmble eutries upon and inspections of the Property. If it has reasonable cause, Lender nmy inspect the interior of the inlprovements ou the Property. Lender shall give Borrower notice at fl~e time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be iu default if, during file Loan application process, Borrower or any persons or entities acting at fl~e direction of Borrower or with Borrower's knowledge or consent gave materially rise, nfisleading, or inaccurate intbrnmtion or statements to Lender (or failed to provide Lender wifl~ material infornmtion) in co~mection with file Loau. Material representations include, but are not limited to, representations coucerniug Borrower's occupancy of file Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perlbrm the covenams and agreements contained in fills Security Instruntent, (b) there is a legal proceeding that nfight significantly affect Lender's interest in fl~e Property and/or rights under this Security Instrument (such as a proceeding in bm~kruptcy, probate, for condeuumtion or forfeiture, tbr entbrcement of a lien which may attain priority over dfis Security Instrumeut or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender nmy do and pay for whatever is reasotmble or appropriate to protect Lender's interest in fl~e Property and rights under tiffs Security Instrument, including protectiug and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are ~mt linfited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reaso~mble MFWY7770 (11/00) / 042-171747-1 (~-6AIWY) Iooo~.o~ ~,~it,.~.: ~.. "~..~. Page 7 of 15 ~ Form 3051 1/01 0501 attorneys' fees to protect its interest itl the Property and/or rights under this Security Instrument, iucluding its secured position in a bankruptcy proceeding. Securing rile Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water I¥om pipes, elinfinate building or oilier code violations or dangerous conditions, and have utilities turned on or off. Although Lender nmy take action ruder this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking ally or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additimml debt of Borrower secured by this Security Instrument. These amounts shall bear interest at die Note rate from the date of disbursement and shall be payable, with such interest, upon notice t¥om Lender to Borrower requesting pay~nent. If this Security Instrument is on a leaselmld, Borrower shall contply with all file provisions of file lease. If Borrower acquires fee title to the Property, die leasehold and the tee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Iusurance. If Lender required Mortgage Insurance as a condition of nmking rite Loan, Borrower shall pay file premiums required to nmintain the Mortgage Insurance ill effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available front the mortgage insurer that previously provided such insurance aud Borrower was required to nmke separately desiguated payments toward the premiums for Mortgage Insurance, Borrower shall pay the prenfiums required to obtain coverage substantially equivalent to the Mortgage htsurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, t¥om an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage lnsurauce coverage is not available, Borrower shall continue to pay to Lender the amount of file separately designated payments that were due when the insurance coverage ceased to be. in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that die Loan is nltimately paid in full, and Lender shall not be required to pay Borrower any interest or eanfings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (ill the alnount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated paymems toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to nmke separately designated payments toward the premiums tbr Mortgage htsurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lmder's requirement for Mortgage Insurance ends in accordance with ally written agreement between Borrower and Lender providing for such terndnation or until termination is required by Applicable Law. Nothing ill this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it amy incur if Borrower.does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance itl tbrce front time to dine, and nmy emer into agreements with other parties that share or tnodify their risk. or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and file other party (or parties) to these agreements. These agreements may require the mortgage insurer to nmke payments using any source of finds that file mortgage insurer nmy bare available (which umy include fuuds obtained from Mortgage htsurance premiunm). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any ret,surer, any other entity, or any affiliate of any of the foregoing, may receive (directly or iidirectly) alnounts that derive front (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that alt affiliate of Lender takes a share of tile ittsurer's risk in exchange tbr a share of fl~e prenfiunts paid to the insurer, the arrangen~ent is often termed "captive reinsurance." Further: (a) Any such agreemeuts will not affect the amouuts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refumi. MFWY7770 (11100) / 042-171747-1 (~-6A{WY) ~ooo5).Ol Page 8 o! 115 Form 3051 1/01 (b) Auy such agreements will not affect the rights Borrower has - if auy - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance termiuated automatically, and/or to receive a refund of any Mortgage Insurance pretnimns that were unearued at the time of such cancellation or terminatiou. 11. Assigument of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is danmged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is econonfically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender bas had an opportunity to inspect such Property to ensure file work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs aud restoratiou in a single disbursement or iu a series of progress payments as file work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or eanfings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, file Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property itt which the fair market value of ale Property ilmnediately before the partial taking, destructiou, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument inunediately betbre the partial taking, destruction, or loss iu value, mdess Borrower and Lender otherwise agree itt writing, fl~e sums secured by fids Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amouut of the sums secured inunediately before the partial taking, destruction, or loss iu value divided by (b) the fair market value of the Property itmnediately before the partial taking, destruction, or loss itl value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of fire Property in which the lair nmrket value of the Property inmtediately before the partial taking, destructiou, or loss in value is less thau file amount of the sums secured itmnediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for danmges, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoratiou or repair of the Property or to file sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or file party against whom Borrower has a right of action m regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or crinfixml, is beguu that, m Lender's judgment, could result in tbrfeiture or' the Property or other nmterJal impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided itt Section 19, by causing fire action or proceeding to be disnfissed with a ruling that, in Lender's judgment, precludes forfeiture of file Property or other material impairment of Lender's interest in the Property or rights under fids Security Instrument. The proceeds of arty award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaueous Proceeds that are not applied to restoration or repair of tile Property shall be applied in the order provided for in Section 2. MFWY7770 (11/00) / 042-171747-1 (~-6AIWY) ~ooo~Lo~ Page 9 of 115 ~ Form 3051 1/01 12. BorroWer Not Released; Forbearance By Lender Not a Waiver. Extension of file time for payment or modification of amortization of the sutns secured by this Security Instrmnent granted by Lender to Borrower or auy Successor iu Iuterest of Borrower shall not operate to release the liability of Borrower or any Successors itl Iuterest of Borrower. Lender shall not be required to connnence proceedings agaiust any Successor in Interest of Borrower or to refuse to extend tinte for paymeut or otherwise modify amortization of file stuns secured by this Security [nstrmnent by reason of any de~nand made by file original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender ill exercisiug any right or remedy including, without linfitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Bon'ower or in amouuts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joiut and Several Liability; Co-signers; Successors ami Assigns Bound. Borrower covenauts and agrees that Borrower's obligatious and liability shall be jotul and several. However, any Borrower who co-signs fids Security Instrument but does not execute the Note (a "co-signer"): (a) is co-sighting this Security htstrument only to ~nortgage, grant and convey the co-signer's interest iix fl~e Property uuder fl~te terms of this Security h]strument; (b) is not personally obligated to pay the sums secured by this Security hlstrmuent; and (c) agrees that Lender aud aay other Borrower cat] agree to extend, modify, forbear or nmke any accmmnodations with regard to rile terms of fids Security Instmlnent or fl~e Note without the co-signer's consent. Subject to the provisions of Section 18, auy Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, aud is approved by Lender, shall obtaiu all of Borrower's rights aud benefits under this Security Iustrument. Borrower shall not be released l¥om Borrower's obligations and liability under fids Security Instrument mdess Lender agrees to such release in writing. The covenants and agree~nents of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower tees tbr services performed ill connection with Borrower's default, for the purpose of protecting Lender's interest itl die Property and rights under flits Security Instrmnent, including, but not limited to, attorneys' /'ecs, property inspection and valuation tees. In regard to any other tees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall uot be construed as a prohibition on rile charging of such tee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loau is subject to a law which sets ~naxiumm loan charges, and that law is finally interpreted so that the interest or oilier loan charges collected or to be collected in cmmection with the Loau exceed the permitted limits, theu: (a) any such loan charge shall be reduced by the amount necessary to reduce file charge to the permitted limit; and (b) any stuns already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to ]]nike this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without auy prepayment charge (whether or not a prepayment charge is provided Ibr under file Note). Borrower's acceptance of any such refund nmde by direct pay~nent to Borrower will constitute a waiver of any right of action Bon-ower ntight have arisiug out of such overcharge. 15. Notices. All notices given by Borrower or Leuder itl com~ection with fids Security Instrument nmst be in writing. Any notice to Borrower in connection Mill this Security h~strmnent shall be deemed to have bee]] given to Borrower when ]]]ailed by first class nmil or wheu actually delivered to Bon'ower's notice address if sent by other means. Notice to any one Borrower shall coustitute notice to all Bon'owers mdess Applicable Law expressly requires otherwise. The uotice address shall be the Property Address mfless Borrower has designated a substitute notice address by nouce to Leuder. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through flint specified procedure. There tnay be only one designated notice address uuder this Security Instrument at any oue time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has desiguated another address by notice to Borrower. Any notice iu com~ection with this Security Instrument shall not be deemed to have bee]] giveu to Lender until actually received by Lender. If any notice required by this Security lustrumeut is also required under Applicable Law, the Applicable Law requirement will satisfy the correspondiug requirement under this Security Instrument. MFWY7770 (I1/00) / 042-171747-1 (~-6AtWY} (ooo~),o~ Page 10 of 1§ .~,d~d Form 3051 1/01 0504 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights aid obligations contained ill this Security Instrument are subject to any requirements and liufitations of Applicable Law. Applicable Law nfight explicitly or implicitly allow the parties to agree by contract or it udght be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clanse of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall ~mt affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision.. As used in this Security Instrmnent: (al words of the masculine geuder shall mean and include corresponding neuter words or words of the femilfine gender; (b) words in the singular shall meau include the plural and vice versa; md (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Bon:ower shall be given one copy of the Note a~d of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest itl Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, iucluding, but not lindted to, those beneficial interests transferred in a bond for deed, contract for deed, instalhnent sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior writteu consent, Lender nhay require itmnediate paylnent iu full of all sums secured by this Security Instrumeut. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all stuns secured by tiffs Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pernfitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (al five days before sale of the Property pursuant to any power of sale contail~ed this Security Instmluem; (b) such other period as Applicable Law nfight specify /bt the termination of Borrower's right to reinstate; or (c) emry of a judg~nent enforcing this Security lustrument. Those conditions are that Borrower: (al pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection a~d valuation fees, and other fees incurred for the purpose of protecting Lmder's interest in the Property aid rights under this Security Instrument; and (d) takes such action as Lender ~nay reasmmbly require to assure that Lender's iuterest in fl~e Property aud rights under this Security Instrument, and Borrower's obligation to pay file sums secured by this Security Instrument, shall continue unchanged. Lender nmy require that Borrower pay such reinstatement sums and expenses in one or more of rite following forms, as selected by Lender: (al cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided auy such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security hlstrument and obligations secured hereby shall renmin fully effective as if no acceleratiou had occurred. However, this right to reinstate shall not apply iu the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in rite Note (together with tiffs Security Instrumen0 can be sold one or more times without prior notice to Borrower. A sale might result in a change itt the entity (known as rile "Loan Servicer") that collects Periodic Payxnents due uxder the Note attd this Security Instrument aid performs other mortgage loau servicing obligations tinder the Note, this Security Instrument, and Applicable Law. There also nfight be one or more changes of the Loan Servicer mtrelated to a sale of the Note. If there is a change of rte Loan Servicer, Borrower will be given written notice of the change which will state the ~mme and address of the new Loan Servicer, the address to which payments shoukl be made aid any other intbrnuition RESPA MFWY7770 (11/00) / 042-171747-1 Initials: ~ Page 11 of 16 ~ Form 3051 1/01 requires itt cotmection with a notice of transfer of servicing. If tile Note is sold and thereafter file Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser Ulfless otherwise provided by the Note purchaser. Neither Borrower nor Lender may conunence, join, or be joined to any judicial action (as either ail individual litigant or the member of a class) fl~at arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reaso~mble period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse belbre certain action can be taken, that time period will be deemed to be reasoimble for purposes of this paragraph. The notice of acceleration and opportmfity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportmfity to take corrective action provisions of this Section 20. 21. llazardous Substances. As used in this Section 21: (at "HazardoUs Substances" are fliose substances defined as toxic or hazardous substances, pollutants, or wastes by Enviromnental Law aud the following substances: gasoline, kerosene, other flatmlmble or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials contaitfing.asbestos Or formaldehyde, and radioactive materials; (bt "Enviromnental Law" means federal laws and laws of fl~e jurisdiction where the Property is located that relate to health, safety or enviromnental protection; (ct "Enviromnental Clea~mp" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Envirolmlental Condition" means a condition that can cause, contribute to, or ofl~erwise trigger att Enviromnental Cleatmp. Borrower shall not cause or pemfit rile presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (at that is in violation of auy Environmental Law, (bt which creates an Enviromnental Condition, or (ct which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects fl~e value of the Property. The preceding two sentences shall not apply to file presence, use, or storage ou file Property of small quantities of Hazardous Substances that are generally recog~fized to be appropriate to normal residential uses and to maintelmnce of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (at any investigation, claim, denmud, lawsuit or other action by any governmental or regulatory agency or priwtte party involving the Property and any Hazardous Substance or Enviromnental Law of which Borrower has actual knowledge, (bt any Enviromnental Condition, including but not linfited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substauce, and (ct any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of fl~e Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall prompdy take all necessary remedial actions in accordance with Envirmm~ental Law. Nothing herein shall create any obligation on Lender for an Enviromnental Cleanup. MFWY7770 (11/00) / 042-171747-1 (~I~-6AIWY) (ooo5).Ol P~ge 12 ol ~5 Form 3051 1/01 0536 NON-UNIFORM COVENANTS. Borrower and Lender further cove~mnt and agree as/bllows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreexnent in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the {late the notice is glven to Borrower, by which the default must be cured; and (d) that failure to cnre the default on or before the date specified in the notice may result in acceleration of the sums secured by this Secnrity Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the defanlt is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in hdl of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not iilnited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes tile power of sale, Lender shall give notice of iutent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in tbe.manuer provided in Section 15. Lender shall publish the notice of sale, and the Property slmll be sohl in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all stuns secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security lnstru~nent, Lender shall release this Security Instrumem. Borrower shall pay any recordation costs. Lender nmy charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party Ibr services rendered aud file charging of the fee is pemfitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. MFWY7770 (11/00) / 042-171747-1 ~-~AIWY) iooo~.o~ Pago 13of 15 ~ Form 3051 1/01 BY SIGNING BELOW, Borrower accepts and agrees to the ternls and covelmnts contained in tiffs Security Instrument and in any Rider executed by Borrower and recorded wifl~ it. Witnesses: KEVIN WESTON (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) ~Borrower (Seal) -Borrower (Seal) -Borrower MFWY7770 (11/00) / 042-171747-1 ~6AIWY} (ooo6).ol Page 14 o! 16 Form 3051 1/01 STATE OF WYOMING, Lincoln The foregoing instrument was acknowledged before me this August by KEVIN WESTON AND S~l~Sk~I-k~aN~- WESTON, HUSBAND AND WIFE STEPHANIE 16, 0538 County ss: 2004 My Colmnission Expires: February 2, 2006 ~ B~D~LL - NOTN~Y PUBUC Notary Public MFWY7770 (11/00) / 042-171747-1 l~doAlWY) ~ooo5~.o~ Page 15 of 15 Initial$:~. ~/, Form 3051 1/01